On December 12th, the speaker came-service enterprises benefit the people. "The grassroots interpretation activity under Chongqing housing provident fund policy was held in Yubei District. Relevant persons in charge of Chongqing Housing Provident Fund Center and Chongqing Branch of China Construction Bank answered your concerns through online and offline services around the deposit, withdrawal, management and loan of housing provident fund.
Netizen asked: Can the foreign provident fund be used in Chongqing?
Dai Lei, deputy director of the Loan Management Department of Chongqing Housing Provident Fund Management Center: Housing provident fund supports loans from different places. For example, if your provident fund is deposited in a different place outside Chongqing, then you come to Chongqing to buy a house. According to the latest support policy, new citizens and young people who come to Chongqing to buy a house can enjoy housing provident fund loans.
Regarding the handling of loans in different places, Chongqing has launched some convenience service measures. For example, if you are a deposit place outside Sichuan, you can log in to the national provident fund applet "Bright code can be done", and you can apply for a provident fund loan in different places with the electronic code. If you pay the housing provident fund in Sichuan, it can be more convenient. By sharing it with the Sichuan Provident Fund Center, we have realized the paperless handling of Sichuan-Chongqing integration.
Netizen asked: How do individuals pay the provident fund?
Wang Yanjie, deputy director of the Policy and Regulation Department of Chongqing Housing Provident Fund Management Center: Now the number of flexible employment groups is increasing. Because the employment structure has changed now, we have to pay the provident fund to adapt to the new changes. Chongqing, as the first batch of pilot cities, started this work. Those who have no flexible employment in fixed units can also pay the housing provident fund, and after paying it, they can also use low-interest loans from the provident fund when buying a house.
Wang Yanjie introduced that individual contributions to provident fund have three characteristics: First, there is no threshold and the threshold is low. No matter whether the household registration is in Chongqing or not, no matter how much income, as long as it is flexible employment, you can participate. Second, in order to meet the diversified needs of flexible employees, the current payment method is also flexible, which can be paid monthly, once or freely. Third, it is very convenient to handle. You can handle this business by signing an agreement through online channels, from account opening, payment to withdrawal.
Netizen’s question: My unit paid me the provident fund, and now I’m going to buy a house, and the down payment is almost short. I wonder if there are any other ways besides trying to borrow money myself?
Wang Yanjie, deputy director of the Policy and Regulation Department of Chongqing Housing Provident Fund Management Center: In the past, we used to pay the down payment for the purchase of a house, which was a reimbursement system, that is, you paid the down payment first, and then took the invoice after payment. This year, the Chongqing Housing Provident Fund Management Center launched a new service. After we got through to the system of the housing transaction department, we optimized the withdrawal method. When you buy a house online, you can withdraw it at the same time, and take the balance of the provident fund account directly to pay for the house purchase. If citizens use commercial loans to buy new commercial housing in Chongqing, they can enjoy such benefits.
Netizen asked: How much can the provident fund loan be borrowed?
Dai Lei, deputy director of the loan management department of Chongqing Housing Provident Fund Management Center: At present, according to Chongqing’s housing provident fund loan policy, a single employee can apply for a loan of up to 500,000 yuan, and if a dual employee pays the housing provident fund, he can borrow 1 million yuan. For families with many children, if you are a single employee of a family with many children, you can borrow up to 600,000 yuan, and double employees can borrow 1.2 million yuan. At the same time, the relationship between the deposit balance and the total loan amount is 25 times, that is, the loan amount is equal to 25 times of the deposit balance. There is also a condition that the monthly repayment should not exceed half of the family wage income.
Reporter’s question: Is it true that the limit of drawing provident fund from renting a house has increased? When did it come into effect? What is the specific withdrawal limit?
Wang Yanjie, deputy director of the Policy and Regulation Department of Chongqing Housing Provident Fund Management Center: Renting a house is a very important way to solve the housing problem now. Now, according to the national requirements of renting and purchasing at the same time, we have continuously increased our support for housing in recent years, and the amount of rental withdrawal has been increased for several consecutive years. This year, the central city has increased from 1,500 yuan/month for individuals to 1,800 yuan/month for couples, 3,600 yuan/month for districts and counties outside the central city, and 3,000 yuan/month for couples. At the same time, families with many children have doubled this quota, and this policy has been implemented since the beginning of the year.
At the same time, the reporter learned from the press conference that since the beginning of this year, Chongqing has further increased its loan support for provident fund depositors. This year, Chongqing has supported nearly 80,000 employees’ families to purchase housing loans and issued housing provident fund loans of 40 billion yuan, a record high.